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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best VA Mortgage Company Lenders in Louisville/Jefferson County
Updated February 5, 2026
Market Overview
33
Total Lenders
17,420
Total Loans
0.34%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,085 | +0.562% | 2,139 | |
2 | INTERLINC MORTGAGE SERVICES, LLC | Exceptional | Exceptional | Strong | Strong | Exceptional | $2,539 | +0.618% | 355 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,052 | +0.307% | 454 | |
4 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Strong | Exceptional | Exceptional | Strong | $4,121 | +0.131% | 199 | |
5 | VICTORY MORTGAGE, L.L.C. | Exceptional | Strong | Strong | Strong | Exceptional | $1,554 | +0.281% | 300 | |
6 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,244 | +0.417% | 214 | |
7 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,844 | +0.542% | 202 | |
8 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,113 | +0.125% | 160 | |
9 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,645 | +0.439% | 119 | |
10 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Sound | $1,592 | +0.163% | 66 | |
11 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,427 | +0.376% | 1,372 | |
12 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,754 | +0.641% | 433 | |
13 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,442 | +0.302% | 163 | |
14 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Strong | $2,069 | +0.475% | 139 | |
15 | THE MORTGAGE WAREHOUSE,LLC | Strong | Sound | Strong | Exceptional | Strong | $1,595 | +0.247% | 124 | |
16 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,578 | +0.300% | 83 | |
17 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,550 | +0.351% | 82 | |
18 | CMG MORTGAGE, INC. | Strong | Sound | Exceptional | Exceptional | Sound | $3,042 | +0.222% | 51 | |
19 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,640 | +0.473% | 438 | |
20 | RUOFF MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,920 | +0.328% | 382 | |
21 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,753 | +0.512% | 62 | |
22 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $1,954 | +0.267% | 58 | |
23 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,383 | +0.506% | 266 | |
24 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,687 | +0.689% | 251 | |
25 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,553 | +0.358% | 193 | |
26 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $1,700 | +0.434% | 143 | |
27 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,931 | +0.448% | 99 | |
28 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,394 | +0.510% | 91 | |
29 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,449 | +0.880% | 93 | |
30 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Strong | $3,119 | +0.462% | 83 | |
31 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,603 | +0.756% | 83 | |
32 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,721 | +0.519% | 41 | |
33 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $2,489 | +0.694% | 185 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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